How often do you hear this when checking out at a retailer: "Are you a member of our loyalty program?" or "Do you have your rewards card with you today?"  These days, consumers can easily collect a keychain full of bar-coded fobs designating their loyalty to certain merchants.  The programs aren't a passing fad.  In fact, studies show that loyalty and reward programs are growing in popularity because of the benefits they offer to both businesses and consumers.  The great news is that these programs are no longer just for the big box stores--there are some simple ways small business owners like you can show your customers how much you appreciate them, and keep them coming back!

It's finally (or should that be "already?") time to get back to school. And if you're a college student, this also means adjusting to a changing schedule, a new curriculum, and hopefully, a new budget. Here are some quick common-sense ideas to help college students keep a 4.0 in the subject of personal finances.

You can't escape it. No matter where you go--shops, office buildings, universities, even churches and cemeteries--you'll run into (sometimes literally run into) zombie-like humans wandering aimlessly and staring at their mobile phones. They're not reading texts or deeply engrossed in the weather radar.

I'd be willing to bet you a Pikachu or a super-rare Mewtwo that they're playing Pokemon Go.

Sunscreen?  Check.

Plane tickets? Check.

Call the bank?  Wait...what?

Debit cards offer the convenience of credit cards without the risk of getting in over your head through overspending. But while financial institutions like Bank Independent have security measures in place, debit cards aren’t immune to fraud.

When you're ready to start construction on your dream home, the house is not the only thing you'll need to build. You'll also want to build strong relationships with your banker, your builder and your mortgage originator.

Every year, millions of consumers fall victim to cybercrime. According to the FBI’s Internet Crime Complaint Center, in 2014, consumers lost more than $800 million from scams initiated through the web. In recognition of Internet Safety Month in June, we're highlighting seven tips to help consumers protect themselves from online fraud.

In observance of World Elder Abuse [prevention] Day on June 15, I'd like to take this opportunity to wring my hands in frustration that there actually has to be an observed day for this horrible, terrible thing.

Whether you’re a renter or a homeowner, chances are you care about protecting the environment – and saving money.